What is the first thing to do if your card is lost or stolen?
If your M&S Credit Card is lost or stolen, you’ll need to call us to report this as soon as possible.
Call us straightaway on 0800 085 2411 or +44 1244 879080 from abroad. Our lines are open 24 hours a day, 7 days a week.
How to cancel a lost or stolen card
You can cancel a lost or stolen card, and order a new one, by calling us or by using the Chat option on Internet Banking and the M&S Banking App.
Can I still spend while I’m waiting for my new card to arrive?
Yes, you can use the M&S Banking App to continue to spend before you receive your new card in the post – you’ll still be able to collect M&S rewards points too. All you need to do is add your M&S Credit Card to your digital wallet via our app. You can then make contactless payments in person, and make payments in apps and online without the need for your physical card or PIN.
Set up your new card for Apple Pay >
Set up your new card for Google Pay >
How to dispute an unrecognised transaction
If you're already registered for Digital Banking, then a quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking and is available 24 hours a day, 7 days a week.
For those more straightforward banking queries, MOBI, our virtual assistant, will try to help you first.
If MOBI can't answer your query, MOBI will seamlessly transfer your chat to an agent, who'll get back to you with an answer as soon as they can. Learn more about MOBI
You can 'Chat with us' via...
What else do I need to know...
*Make sure you're using the latest version of our app to ensure that all of our support features are available to you.
Will cancelling my card affect my Direct Debits?
Any payments set up from your credit card will be affected once the card is cancelled.
Can I still access my Internet Banking or Mobile Banking app if my card is cancelled?
Yes, you can still access all of your digital banking without any interruption. Your sign-in details for these services are not linked to your credit card.
What should I do if I find my card after reporting it lost or stolen?
Once your card is cancelled, it can’t be reactivated and your new card will already be on the way. You should destroy the card and dispose of it securely.
You can however use the M&S Banking App to continue to spend before you receive your new card in the post.
What happens if money was stolen from my credit card?
If you believe someone other than yourself has used, or tried to use, your credit card, call the number at the top of this page as soon as possible.
We will cancel your card and then your case will be handled by our experienced Fraud Team who will do their best to help you in this stressful time.